Home address, telephone number and ID card information collection. If you want a loan, you need to fill in two emergency contact information. See if you meet the requirements of wealth management products before recommending them to you. It may also be that after you get the loan, of course, you should collect your detailed information. According to the requirements, banks need to register in real-name registration system, so they need to collect personal ID numbers.

The personal credit information system is under the responsibility of the People's Bank of China and provided to banks, data subjects themselves, financial regulatory agencies, judicial departments and other government agencies. This kind of activity that banks enjoy credit information through third-party institutions is credit investigation. With the intervention of the credit bureau, when you borrow from the bank again, the account manager can check your credit report with your consent, and can tell you whether you can provide a loan as soon as possible, saving time.

Legally speaking, banks will collect necessary personal information when users apply for credit cards, which is very convenient for banks to review credit card procedures. But if the bank collects unnecessary personal information, then this behavior of the bank has violated the relevant laws of our country. It is worth noting that personal information unrelated to bank debt is not properly protected, but is transferred or sold to "unidentified" people after the credit card user expires, which is undoubtedly an infringement of personal information unrelated to bank debt. Debt. Most importantly, these "unidentified" people use banks to transfer or sell these personal information to commit crimes. Legally speaking, this kind of behavior is a serious crime. Article 253 of the Criminal Law stipulates: "Staff of state organs and financial, telecommunications, transportation, education, medical and other units sell or illegally provide other people's personal information in violation of state regulations. Citizens acquired by this unit in the course of performing their duties or providing services, if the circumstances are serious, shall be sentenced to fixed-term imprisonment of not more than three years or criminal detention and shall also or only be fined.

1. As legal citizens of China, we strongly condemn the bank's behavior, because it not only violates the law, but also connives and abets others' criminal behavior, and banks should be responsible for their behavior.

2. Therefore, based on the legitimate rights and interests of supervision, we require relevant departments to strictly investigate such criminal acts of banks, so as to provide consumers and China citizens with a private, peaceful and information-safe living environment.